Japan CyCLING INSURANCE

ROAD SERVICE & Bicycle Insurance in Japan

While not mandatory, liability insurance for cycling is highly recommended. In Japan, the larger vehicle assumes much of the risk in accident situations. So, if a cyclist has an accident with smaller vehicle or pedestrian, they can be held liable for personal and property damages. With the crowded conditions on our small roads and mutual use trails, this is more and more a common problem

Recently Japanese courts have applied large settlements to pedestrians struck and injured by cyclists. Without insurance coverage, these settlements would be likely unbearable by most people.

We have partnered with a Japanese insurance provider to offer a comprehensive cycling insurance that offers high liability coverage as well as a convenient 'rescue' service at a very reasonable price. In addition, the insurance is general liability and covers your household (family) as well.

Introducing BiSPA

BISPA (Bicycle Safety Promotion Association) was founded in 2015 to promote and service bicycle safety in Japan. They began offering specialized insurance packages from 2016 underwritten by major Japanese insurance companies. The target is personal and business operators of bicycles including liability, service and theft.

The Plans

Personal BiSPA Insurance:

*You must have a Credit Card to join this.**Insurance underwriter is Aioi Nissay Dowa Insurance Company Limited.***Road service underwriter is Prestige International Inc.​

Service fee is 500 yen per monthly and provides following :​1. Road service 2. Personal liability insurance3. Injury insurance​Road ServiceThis offers a personal rescue service if you had any mechanical trouble while you're riding and no longer able to ride home, you may call them and have them come to rescue you, drive you up to 40km for FREE. What's more great is that they have multilingual service (English and Chinese). This service applies only to the bike, not to the person (unlike insurance) so you need to be riding a particular bike with special code assigned to it. You get to assign up to 2 bikes. ​​Personal Liability InsuranceThis covers up to 100 million yen personal liability insurance (it does not cover motor vehicle liability) which covers not only bicycle accidents but also accidents unrelated to bicycle. So if you got in an accident and caused injury or damage to another person or property, you may claim this insurance. This covers also your family member (spouse, children and a relative if living in the same house). Insurance company will do negotiation on your behalf too. ​​Injury InsuranceThis covers your own medical and hospital fee if you get injured while riding a bike. It pays you up to 30,000 yen if you had to have surgery or operation due to the injury. If you stayed at hospital to get medical treatment it pays 3,000 yen per day and this can pay up to 180 days.​​

How to apply​Simply click the button below and jump to the site which allows you to apply online. You need to enter your required information as well as credit card information before submitting the application. Once it's processed, you will receive a membership card and 2 stickers with a QR code to stick onto your bike. Then you're set!​＊This form is only available in Japanese, if you need help going through the form please let us know!​Select Personal BiSPA Insurance from the link below:

In addition to above insurance, there is also a theft insurance. So in case your bike is stolen from your private property, at a bike park (public space), or it was stolen and then returned but was totally damaged and unrecoverable. This insurance can cover up to 70% of the value of your bike.​

Fee is from 3% of total value of your bike (for up to 200,000 yen bike).

Value limit 1,000,000 yen

Covers 70% of total value for 2 years

Covers your transportation fee up to 20,000 yen

Covers your accommodation fee up to 10,000 yen

​Theft Insurance FAQ:​

Q: Are the values of parts & accessories tax inclusive?A: Yes​Q: Can I pay by monthly installment?A: You can only purchase 2 years in advance​Q: Will I get insurance certificate?A: Yes, you will get it mailed to you 5 days after confirmation of payment​Q: What should I do if my bike was stolen?A: First report to the police, then call the insurance support center 0120-300-427​Q: If my bike was stolen while unlocked, will it cover?A: No, your bike must have been locked up with at least 1 lock​Q: How do I pay for my insurance?A: You can only pay by your credit card​Q: My bike was stolen while lending to a friend, will it cover?A: Yes​Q: My wheel was stolen, will it cover?A: Yes, it will cover parts & certain accessories also​Q: When will the insurance period start?A: It will start from the day of your application​Q: Will it cover parts & accessories mounted additionally?A: It will cover only if they were purchased & mounted at the same time you purchased the bike (exclude cycle computer)​Q: My bike is not registered with the police, can I insure?A: No. You must have your bike registered with the police before you can insure (it is mandatory to register your bike in Japan)​Q: Can I renew the insurance after 2 years?A: No. You cannot renew after 2 years​Q: If my bike is already insured with another company, can I insure with this?A: No. You cannot insure with more than 1 company (the latter insurance will be invalid)​How to apply​Simply click the Apply button below and which will take you to their site and allows you to apply online. You need to provide receipt of your bike, necessary information and credit card information in order to apply. Once it's processed, you will receive a membership certificate to your home. ​＊This application process is only available in Japanese, if you need help going through the process please let us know.